09/21/2026
🏠 FLOOD VICTIMS MAY HAVE A PATH TO A NEW HOME 🏠
If your home or rental was severely damaged by the recent flooding, there may be an FHA program that can help you purchase or reconstruct a home with up to 100% financing. The FHA 203(h) Disaster Victims program can apply to qualifying homeowners and renters whose prior residence was in a Presidentially Declared Major Disaster Area and was damaged badly enough that reconstruction or replacement is necessary.
✅ Up to 100% financing
✅ Minimum FICO as low as 580
✅ Available to qualifying homeowners AND renters
✅ The replacement home does not have to be in the same area as the damaged property
✅ FHA-approved single-family homes and condos may qualify
There is also a timing requirement: the FHA case number generally must be assigned within one year of the presidential disaster declaration, unless additional eligibility time is provided.
If you or someone you know was displaced or had major flood damage, message me and I’ll help connect you with a lender who works with this program.
Brian Ingle
FC Tucker Richmond
📱 765-960-0533
🌐 brianingle-realtor.com
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Flood Damage? You May Qualify for 100% FHA Financing
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Small disclaimer: Subject to FHA and lender qualification requirements. Not all properties or borrowers will qualify. Damage to the prior residence must be documented. The program materials specifically require documentation verifying the prior residence was in the disaster area and sufficiently damaged to require reconstruction or replacement.
